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Co-sign Income-Driven Repayment (IDR) Plan Request

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What is a Co-Signer?

A co-signer is the spouse of someone who initiated an Income-Driven Repayment Plan Request. As a co-signer you are not obligated to repay this loan by signing a borrower's IDR application.

Your spouse (i.e., the borrower who applied for IDR) will have provided you with a Reference Number/Co-sign Code. If you do not have the Reference Number/Co-sign Code, contact your spouse. An e-mail containing the Reference Number/Co-sign Code was sent to him or her. Your spouse can also access the Reference Number/Co-sign Code by logging in to StudentLoans.gov and clicking on the appropriate link.

Directions to access the Reference Number/Co-sign Code

  • If your spouse completed an Income-Driven Repayment Plan Request that was not part of a Direct Consolidation Loan Application, he or she will click on "Income-Driven Repayment Plan Requests" under "My Loan Documents" to locate and provide you with the Reference Number you need.
  • If your spouse completed an Income-Driven Repayment Plan Request as part of a Direct Consolidation Loan Application, he or she will click on "Direct Consolidation Loan Applications" under "My Loan Documents" to locate and provide you with the Co-sign Code you need.

Co-sign Income-Driven Repayment (IDR) Plan Request

OMB No. 1845-0102
Form Approved

Who should complete this?

  • Spouse of someone who initiated an Income-Driven Repayment Plan Request.

How long will it take?

The entire Co-Sign process must be completed in a single session. Most people complete the Co-Sign process in 10 minutes.

What do I need?

  • Verified FSA ID
  • You must be logged in with your own unique FSA ID in order to Co-Sign the Borrower's IDR.
  • Reference Number/Co-Sign Code
  • Borrower's SSN
  • Personal Information 
  • Financial Information (Note: only if you file income taxes separately from your spouse)